The 2019 bank statements produced some disheartening bad behaviors. I had to categorize all the pet expenses into miscellaneous. I discovered not all shopping for the year was for me but a lot for gift purchases. It appears I live buying gifts or love a reason to spend money so buy gifts. I spend way to much on gifts that I don’t think are even used or appreciated not to mention the excessive amount of time it takes to shop for these gifts that go unappreciated.
My pet expenses to me were excessive and I also discovered our pet insurance was outrageous so I canceled it today. After realize I charge two to three times a day but s way too many charges to monitor.
I was happy to see fewer charges for fabric but Amazon became the addiction, which I have removed my account.
Home had hardly any charges and really the home needs a lot of attention. Groceries ate way to expensive and I really need to cut that expense. Dog food needs to be cut in half. The HP printer has increased a lot.
Mostly I learned I make appointments with others and use the credit card to charge the event and this needs to stop. I think I’m charging things to make me look good but never check with my husband first. These are unnecessary charges not too mention gas expenses.
My strategy is use the debit card. Evaluate the categories and come up with a budget.
Steward of God’s Money Mission 2020 